credit risk manager

Ujjivan Small Finance Bank

<div>
 <ol>
 <li>
 
 POSITION DESCRIPTION
 
 </li>
 </ol>
 
 
 
 
 
 JOB TITLE
 
 
 
 Manager-Credit Risk
 
 
 
 
 
 
 DEPARTMENT
 
 
 
 Risk
 
 
 
 LOCATION
 
 
 
 HO
 
 
 
 
 
 
 SUB-DEPARTMENT
 
 
 
 Credit
 
 
 
 TYPE OF POSITION
 
 
 
 Full-time
 
 
 
 
 <ol>
 <li>
 
 ROLE PURPOSE &amp; OBJECTIVE
 
 </li>
 </ol>
 
 
 
 <ul>
 <li>
 
 To ensure implementation of the credit risk management policy approved by the Board.
 
 </li>
 <li>
 
 To formulate, review and implementation of risk appetite
 
 </li>
 <li>
 
 Monitor credit risks on an SFB wide basis and ensure compliance with the Board approved risk parameters/prudential limits and monitor risk concentrations.
 
 </li>
 <li>
 
 Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory/legal compliance, adequacy of provision, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management.
 
 </li>
 <li>
 
 Review the performance and effectiveness of the credit scorecards, the need for any adjustments, and placing recommendations before the CRO
 
 </li>
 <li>
 
 Review and approve the use of credit scorecards for business and risk management purposes and placing recommendations before the CRO
 
 </li>
 </ul>
 
 
 
 <ol>
 <li>
 
 KEY DUTIES &amp; RESPONSIBILITIES OF THE ROLE
 
 </li>
 </ol>
 
 
 
 
 
 
 
 
 Business/ Financials
 
 
 
 
 
 Credit Risk Unit
 
 
 
 <ul>
 <li>
 
 To develop credit risk appetite/limits statements with support from Business units
 
 </li>
 <li>
 
 To monitor the credit risk parameters and credit exposure / concentration limits set by the SFB&rsquo;s Board of Directors / Risk Management Committee of the Board/ Regulator
 
 </li>
 <li>
 
 To lay down credit risk identification systems, monitor quality of portfolio, identify problem credits and undertake asset quality reviews with support from Business units.
 
 </li>
 <li>
 
 Implementation of credit scorecards with support from Business units.
 
 </li>
 <li>
 
 To analyze early warnings signals in the MSE portfolio, for identification of weak exposures, identify remedial measures in co-ordination with Business units and monitor the actions taken.
 
 </li>
 <li>
 
 Responsible for execution of portfolio risk management activities including concentration risk monitoring and stress testing.
 
 </li>
 <li>
 
 Responsible for ensuring stringent monitoring and management of specifically assigned problem accounts either independently or in co-ordination with the Business units.
 
 </li>
 <li>
 
 Responsible for executing the NPA management strategies in co-ordination with Business units and with support from the Legal department
 
 </li>
 <li>
 
 Monitor portfolio performance on a quarterly basis or as and when directed by the Board or Committee or Regulator and identify associated credit risks
 
 </li>
 <li>
 
 Study the impact of various stress scenarios on different portfolios to complement the regular risk measurement methods
 
 </li>
 <li>
 
 Classification of SMA and watch-list accounts in co-ordination with Business units
 
 </li>
 <li>
 
 Implementation of Internal Audit recommendations specific to the credit risk unit
 
 </li>
 </ul>
 
 
 
 
 
 
 Business Risk unit
 
 
 
 <ul>
 <li>
 
 Develop a comprehensive risk management framework for assessing, identifying, monitoring and reducing pertinent business risks that could interfere with the bank's objectives and goals
 
 </li>
 <li>
 
 Implement the Credit risk management frameworks under the guidance of CRCO and policies for the Bank
 
 </li>
 <li>
 
 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 
 </li>
 <li>
 
 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 
 </li>
 <li>
 
 Assess the insurance requirements of the bank and arrange appropriate cover for transfer of risks as assessed as appropriate.
 
 </li>
 <li>
 
 Assess the security environment and take necessary steps to protect the interests of all stakeholders across both Physical and Information Technology dimensions.
 
 </li>
 </ul>
 
 
 
 
 
 Internal Process
 
 
 <ul>
 <li>
 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 </li>
 <li>
 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 </li>
 <li>
 Develop the fraud risk management framework; periodically monitor fraud risk cases and recommend risk mitigation measures, as required in coordination with the CVO
 </li>
 <li>
 Participate in scheduled meetings of Risk management Committee (for credit risk, operation risk and market risk), Investment Committee and Asset Liability Management Committee
 </li>
 </ul>
 
 
 
 
 
 Learning &amp; Innovation
 
 
 <ul>
 <li>
 Provide the risk and compliance staff with sufficient resources, management support and the access required to prevent / detect compliance issues / breaches
 </li>
 <li>
 Maintain current knowledge of laws and regulations, keeping abreast of the most recent developments in regulations, notifications and circulars and disseminate the information regarding new regulatory developments
 </li>
 <li>
 Develop, coordinate and impart a multifaceted educational and training program that focuses on the elements of the compliance program, and seeks to ensure awareness creation
 </li>
 <li>
 Maintain a knowledge base of compliance failures and implications, provide advice on preventive actions to prevent such failures
 </li>
 <li>
 Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 <ol>
 <li>
 
 MINIMUM REQUIREMENTS OF KNOWLEDGE &amp; SKILLS
 
 </li>
 </ol>
 
 
 
 
 
 
 
 
 
 
 
 Educational
 
 
 
 
 Qualifications
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in commerce/MBA in finance
 </li>
 <li>
 Additional qualification in law, accountancy such as CA/CS/LLB.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Experience
 
 
 <ul>
 <li>
 At least 10 years of experience in banking business
 </li>
 <li>
 At least 3+ years of experience in compliance &amp; 3+ years of hands-on experience in risk /audit &amp; inspection functions.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Certifications
 
 
 <ul>
 <li>
 PO qualified
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Functional Skills
 
 
 <ul>
 <li>
 Knowledge of &ndash; credit risk, operational risk, market risk
 </li>
 <li>
 Knowledge of asset liability management
 </li>
 <li>
 Knowledge RBI polices/guideline relevant to SFB &amp; banking
 </li>
 <li>
 Good understanding of policy formulation process
 </li>
 <li>
 Adept at influencing policy changes for commercial advantage
 </li>
 <li>
 High operational knowledge and experience in government processes and compliances both at union and state levels
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Behavioral Skills
 
 
 <ul>
 <li>
 Interpersonal communications
 </li>
 <li>
 Stakeholder management
 </li>
 <li>
 Project management skills
 </li>
 <li>
 Problem solving &amp; critical thinking
 </li>
 <li>
 Planning &amp; organizing
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Competencies Required
 
 
 <ul>
 <li>
 Building Relationship
 </li>
 <li>
 Driving Change
 </li>
 <li>
 Planning &amp; Organizing
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 
 <ol>
 <li>
 
 KEY INTERACTIONS
 
 </li>
 </ol>
 
 
 
 
 
 INTERNAL
 
 
 
 
 EXTERNAL
 
 
 
 Legal Manager
 
 
 Regulatory bodies (including RBI)
 
 
 Internal Audit Dept.
 
 
 Risk rating agencies
 
 
 All functional heads
 
 
 Chief Compliance Officers or Chief Risk Officers of other banks
 
 
 CFO
 
 
 
 
 
 Treasury team (FO &amp; BO)
 
 
 
</div>

Credit Risk Manager

Airwallex

<div><h2 class="jobSectionHeader">About Airwallex</h2>
Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 150,000 businesses worldwide &ndash; including Brex, Rippling, Navan, Qantas, SHEIN and many more &ndash; with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.
Proudly founded in Melbourne, we have a team of over 1,800 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$6.2 billion and backed by world-leading investors including Visa, Airtree, Blackbird, Sequoia, DST Global, Greenoaks, Salesforce Ventures, Lone Pine, and Square Peg, Airwallex is leading the charge in building the global payments and financial platform of the future. If you&rsquo;re ready to do the most ambitious work of your career, join us.<h2 class="jobSectionHeader">
Attributes We Value</h2>
We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you&rsquo;re motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.
You're humble and collaborative; turn zero&#8209;to&#8209;one ideas into real products, and you &ldquo;get stuff done&rdquo; end-to-end. You use AI to work smarter and solve problems faster. Here, you&rsquo;ll tackle complex, high&#8209;visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let&rsquo;s build what&rsquo;s next.<h2 class="jobSectionHeader">
About the team</h2>
The Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex&rsquo;s mission to empower businesses globally.<h2 class="jobSectionHeader"> 
What you&rsquo;ll do</h2>
As a Credit Risk Operations Manager, you will help manage Airwallex&rsquo;s global credit risk exposure. You&rsquo;ll assess prospective and existing merchants, define and track risk performance, and partner with cross-functional teams to drive both growth and protection. You&rsquo;ll leverage data-driven insights to enhance our credit decisioning and monitoring frameworks, streamline operational processes, and continuously improve the balance between user experience and robust risk mitigation.
This role is based in San Francisco.<h2 class="jobSectionHeader">
Responsibilities:</h2><ul><li>
Manage Airwallex&rsquo;s credit risk exposure across all product offerings</li><li>
Evaluate credit risk across payment acceptance channels (cards, bank payments, local payment methods)</li><li>
Drive Know Your Business (KYB) processes to build and maintain a diversified, high-quality merchant portfolio</li><li>
Define, monitor and deliver against global credit risk performance KPIs</li><li>
Build, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring</li><li>
Develop structured reporting and dashboards to give global visibility into credit risk performance</li><li>
Partner with Business Development, Legal, Compliance and Transaction Risk to balance commercial goals with risk mitigation</li><li>
Strengthen risk awareness across global stakeholders and proactively surface emerging risks</li></ul><h1 class="jobSectionHeader">
Who you are</h1>
We're looking for people who meet the minimum requirements for this role. The preferred qualifications are great to have, but are not mandatory.<h2 class="jobSectionHeader">
Minimum qualifications:</h2><ul><li>
Strong analytical and quantitative skills with demonstrated experience in assessing counterparty or merchant credit risk</li><li>
Deep understanding of credit fundamentals &mdash; including financial statement analysis, cash flow assessment, collateral structures, and exposure management</li><li>
Practical experience in ongoing credit monitoring, limit setting, and early warning frameworks for merchant portfolios</li><li>
Strong grasp of payment flows and how settlement timing, reserves, and chargebacks impact credit exposure</li><li>
Ability to identify and escalate emerging credit risks across payment products and geographies</li><li>
Excellent written and verbal communication skills, with the ability to explain credit findings clearly to technical and non-technical stakeholders</li><li>
Proven ability to manage multiple priorities in a fast-paced environment with precision and attention to detail</li><li>
Ownership mindset: you take accountability, drive clarity, and execute with urgency</li></ul>
Preferred qualifications:<ul><li>
Advanced proficiency in data analysis tools (e.g. SQL)</li><li>
Familiarity with core risk domains such as card brand monitoring, compliance, and KYB/KYC requirements</li><li>
Experience managing credit exposure for merchants or partners within fintech, payments, or financial institutions</li><li>
Background in regulatory compliance and/or operational risk management</li><li>
Track record of defining and reporting KPIs to improve process performance</li><li>
Deep understanding of payment processing systems and associated credit, fraud, and operational risks</li></ul><h2 class="jobSectionHeader">
Applicant Safety Policy: Fraud and Third-Party Recruiters</h2>
To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.
Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.<h2 class="jobSectionHeader">
Equal opportunity</h2>
Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don&rsquo;t regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.
Compensation Range: $100K - $150K</div>

Credit Risk Operations Manager

Schneider Electric

<div>
 
 
 Job location: &Idot;stanbul
 
 
 
 
 
 
 The Credit Controller is responsible for risk management, managing customer credit exposure, ensuring timely collections, and minimizing financial risk through proactive monitoring and effective communication with clients,sales team and insurance partners. This role also contributes to process improvements, digital transformation, and reporting activities within the credit management function.
 
 
 This position is under the Credit Department and will report directly to the Cluster Credit Manager for T&uuml;rkiye and Central Asia.
 
 
 
 
 
 
 Job Description;
 
 
 
 
 
 <ul>
 <li>
 Manage daily credit limit control and delivery approval operation of clients,
 </li>
 <li>
 Interact with customers in a professional and courteous manner, sending dunning letters for overdue receivables and reminders for payments.
 </li>
 <li>
 Monitor customer credit exposure, payment trends, and risk indicators, performing periodic overdue and risk reviews to identify high-risk clients.
 </li>
 <li>
 Review and assess customer financial documents and establish credit limits based on company policies.
 </li>
 <li>
 Prepare and send accurate and timely account statements to customers.
 </li>
 <li>
 Track and reconcile customer accounts to ensure accurate payment recording.
 </li>
 <li>
 Coordinate with insurance companies regarding customer limit requests, updates, and cancellations.
 </li>
 <li>
 Take a leading role in digitalization, AI integration, and global SAP development initiatives related to credit management.
 </li>
 <li>
 Prepare month-end reports and provide analytical insights to management.
 </li>
 <li>
 Contribute to credit policy development and continuous process enhancement to improve efficiency and risk control.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Qualification:
 
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, Economics, or a related discipline.
 </li>
 <li>
 Minimum of 2&ndash;3 years of experience in a credit control, finance, or risk management role, preferably within a multinational or matrixed organization.
 </li>
 <li>
 Excellent interpersonal and communication abilities, with a proven capacity to build strong relationships across all levels of the organization and with external stakeholders.
 </li>
 <li>
 Strong problem-solving and solution-oriented mindset, with the ability to support business operations effectively.
 </li>
 <li>
 Demonstrated success in working across functional and geographical boundaries in a matrix environment.
 </li>
 <li>
 Solid analytical capabilities, with attention to detail and the ability to interpret financial data and trends.
 </li>
 <li>
 Fluency in both
 
 English
 
 and
 
 Turkish
 
 , with the ability to communicate professionally in both languages.
 </li>
 </ul>
 
 
</div>

Credit Controller

Harnham - Data & Analytics Recruitment

COLLECTIONS STRATEGY MANAGER LONDON- HYBRID UP TO £100,000 This fast-growing FinTech is on the hunt for a Collections Strategy Manager to help shape how they engage with customers and recover debt THE ROLE As Collections Strategy Manager, you'll sit at the heart of commercial decision-making - bridging credit risk, data, and operations. You'll be responsible for designing, testing, and implementing collections and recoveries strategies that balance performance with customer experience. You'll work closely with data scientists, product managers, and credit teams to: <ul> <li>Build, monitor, and evolve collections strategies and segmentation models</li><li>Use data and MI to identify performance trends and improvement opportunities</li><li>Develop and test new contact strategies across digital and traditional channels</li><li>Partner with analytics and engineering teams to enhance automation and decisioning tools</li><li>Support regulatory compliance (CONC, FCA) while driving commercial outcomes</li></ul> REQUIREMENTS <ul> <li>Proven experience in collections or recoveries strategy (ideally in consumer lending, auto finance, or FinTech)</li><li>Strong understanding of credit risk lifecycle and performance metrics</li><li>Proficiency with SQL / SAS / Python (hands-on analysis experience)</li></ul>

Collections Strategy Manager

Citi

<div>The Portfolio Credit Risk Management role oversees portfolio risk management activities to minimize credit losses and potential damage to the Citigroup franchise or reputation. The role includes developing business strategies, calculating CECL reserves, conducting stress tests, loss forecasts, and managing risk appetite for the First Line of Defense (1LOD). For the Second Line of Defense (2LOD), the role involves providing effective oversight and periodic review and challenge of 1LOD portfolio management processes and outcomes. Individuals in this role ensure credit risk is managed effectively across all portfolios, protecting the company's financial stability and reputation while supporting the overall business strategy.
Responsibilities:<ul><li>
Actively participate in the development and optimization of Concentration Risk Appetite and Limit policies, ensuring their adherence and uniformity.</li><li>
Assist in the implementation of Concentration Risk Appetite and Limit policies, processes, and associated initiatives.</li><li>
Prepare risk management presentations for the deliberation of senior management.</li><li>
Aid in the execution of ERM Framework components.</li><li>
Analyze data, formulate recommendations, and communicate findings efficiently.</li><li>
Work closely with internal teams to guarantee timely completion of program requirements.</li><li>
Identify and escalate program risks following comprehensive review and analysis.</li><li>
Support regulatory and audit reviews across various levels, ensuring conformity with all regulations and standards.</li><li>
Collaborate with teams without direct reporting lines to effectively implement compliance and risk management strategies.</li><li>
Utilize project management skills to enhance results.</li><li>
Expand industry knowledge and make decisions based on analytical proficiency.</li></ul><ul><li>
Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.</li><li>
Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.</li><li>
Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.</li><li>
Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.</li><li>
Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda</li><li>
Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.</li><li>
Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.</li><li>
Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.</li><li>
Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.</li><li>
Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.</li><li>
Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult</li><li>
Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.</li><li>
Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi&rsquo;s clients and the community.</li><li>
Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.</li><li>
Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.</li><li>
Empathetically listens and understands others&rsquo; positions before acting on issues; works to amplify voices that are minimized in the workplace</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards</li></ul>
Qualifications:<ul><li>
5+years relevant experience</li><li>
Comprehensive knowledge of risk identification, measurement, monitoring, control and, processes. Reporting</li><li>
Experience in project management and program coordination.</li><li>
Proficient in data interpretation and for risk recommendation control measures.</li><li>
Knowledge of audit and regulatory communication processes related to risk management.</li><li>
Extensive in risk management and issue resolution.</li><li>
Experience in experience leading risk transformation programs and managing stakeholder relations.</li><li>
Proven record in supporting regulatory and audit reviews, with a focus on risk management.</li><li>
Independent problem-solving and decision-making abilities.</li><li>
In-depth industry knowledge and application of standards.</li><li>
Proficiency in project management and team integration.</li><li>
Excellent analytical and risk management skills.</li><li>
Superior communication and collaboration abilities.</li><li>
Ability to plan, organize, and coordinate program activities.</li><li>
Strong time-management and ethic work under pressure.</li><li>
High professionalism and ethical standards.</li></ul>
Education:
Bachelor's/University degree or equivalent experience
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

USPB Enterprise Risk & Balance Sheet Management- Financial Risk-Intermediate Analyst

<div>
 Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
 
 
 Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
 
 
 Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing.
 
 
 
 In this role, you&rsquo;re expected to
 
 
 :
 
 
 
 <ul>
 <li>
 Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
 </li>
 <li>
 Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.
 </li>
 <li>
 Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.
 </li>
 <li>
 Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
 
 
 </li>
 </ul>
 
 As a successful candidate, you&rsquo;d ideally have the following skills and exposure:
 
 
 
 <ul>
 <li>
 3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
 </li>
 <li>
 Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.
 </li>
 <li>
 Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
 </li>
 <li>
 Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.
 </li>
 <li>
 Advanced industry research capabilities, including risk and key drivers.
 </li>
 <li>
 Ability to identify potential risk issues that need escalation and escalates them promptly.
 
 
 </li>
 </ul>
 
 Education:
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s/University degree or equivalent experience
 
 
 </li>
 </ul>
 This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
 
 
 ------------------------------------------------------
 
 
 
 Job Family Group:
 
 
 
 Risk Management
 
 
 ------------------------------------------------------
 
 
 
 Job Family:
 
 
 
 Credit Risk
 
 
 ------------------------------------------------------
 
 
 
 Time Type:
 
 
 
 Full time
 
 
 ------------------------------------------------------
 
 
 
 Most Relevant Skills
 
 
 
 Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
 
 
 ------------------------------------------------------
 
 
 
 Other Relevant Skills
 
 
 
 For complementary skills, please see above and/or contact the recruiter.
 
 
 ------------------------------------------------------
 
 
 
 Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
 
 
 
 
 If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review
 
 
 Accessibility at Citi.
 
 
 
 
 View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.
 
</div>

Underwriting Credit Risk Analyst – Officer

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing.
In this role, you&rsquo;re expected to:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.</li><li>
Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.</li><li>
Advanced industry research capabilities, including risk and key drivers.</li><li>
Ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Risk
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
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